Insurance for Landscaping & Snow Removal in Manitoba
Liability and equipment coverage for Manitoba snow clearing and landscaping contractors. Licensed Manitoba brokers compete for your account.
Commercial Liability & Risk Guide for Landscaping & Snow Removal in Manitoba
In Manitoba, snow clearing is often the busier half of a landscaping business. Long winters mean months of commercial lot clearing, and slip-and-fall claims are the biggest liability exposure in the trade. Insurers want to see service logs and clear contract terms before they write snow work. QuoteMatch sends your application to licensed Manitoba brokers so your winter contracts and summer work are both covered.
Risks specific to Manitoba
Working in Manitoba brings its own climate, market, and regulatory risks:
- Slip-and-fall claims on commercial lots through a long winter.
- Property damage from plows to curbs, lawns, and buildings.
- Theft of trailers, loaders, and skid steers.
- Buried line damage during summer landscaping and fencing.
Rules and requirements to know
Insurers and clients in Manitoba will expect you to meet these:
- Manitoba Occupiers' Liability Act, which shapes slip-and-fall claims.
- Click Before You Dig Manitoba locate requests before digging.
- Workers Compensation Board of Manitoba coverage for seasonal crews.
How a claim could happen
“A contractor clears a Winnipeg strip-mall lot overnight but doesn't return to sand after freezing rain. A customer slips at the entrance.”
Official resources
Landscaping & Snow Removal Contractors in other provinces
Common questions: Landscaping & Snow Removal in Manitoba
- How can I lower my snow removal premiums?
- Keep detailed service logs, such as GPS or photo records of when each site was cleared and treated. Use contracts that clearly set out when you're expected to respond. Insurers price these risks better when you can prove what was done.
- Does my truck policy cover my plow?
- Your plow and how you use the truck need to be declared on your vehicle coverage. Undeclared commercial plowing can put a claim at risk.
- Is my loader covered if it's stolen?
- Only with a contractor's equipment floater. Liability insurance doesn't cover your own equipment.